‘It Is So Annoying’—Frugal People Want You To Know They’re Not Rich Or Poor, They’re Just Saving For What Truly Brings Them Joy

Frugal people are tired of the assumptions. Many of them live with intention, making careful spending choices to prioritize long-term goals, not flashy lifestyles. But often, when someone sees a single high-quality item, a designer bag, a kitchen remodel, a trip abroad, they jump to the conclusion that the person must be rich.
And that’s what set off a recent post on Reddit’s r/Frugal, where one frugal person vented about a common experience: being labeled “rich” just for owning one nice item. “I absolutely hate it when people see ONE expensive thing with a person, like a nice watch or nice crockery or a box of caviar and immediately go, ‘Oh you must be rich.’ It is so annoying.”
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Being Frugal Means Spending Intentionally
The thread revealed that many people living modestly day to day are simply prioritizing their money in ways others don’t always understand. One person summed it up like this: “Live rich, don’t look rich. They’re two different things.”
“Frugality is the art of managing your time and resources to support your goals,” one commenter wrote in response to a person describing how their frugal lifestyle helped them reach early retirement. “You have achieved a really big goal. Well done.”
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For many, the frustration stems from how quickly others judge without knowing the context. “I had a coworker who was baffled I could afford a certain appliance,” one commenter said. “I had been saving for it for two years. The coworker was the one eating out for every single meal and then wondering where all her money went.
Prioritizing What Matters Most
A recurring theme was that frugal people often spend very deliberately on one or two things, while cutting costs everywhere else.
One person shared that they travel multiple times a year, but live in a small house, drive an old car, and rarely eat out. “People always say stuff like ‘must be nice,’ you’re so lucky,’ they said, “but I’m not lucky, I just don’t buy other things because travel and experiences are my priority.”
One especially popular comment said, “Everyone assumes people spend the same as they do.”
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Investing In the Long Game
For those who are able to save consistently, investing is often part of the equation. While some people in the thread focused on travel or early retirement, others pointed toward long-term financial growth.
That’s where platforms like Fundrise come in. Fundrise has been around for over 10 years and manages billions for regular people, not just Wall Street. Its venture capital offering was built for individual investors, giving them a chance to invest in private tech companies, like those working on AI, that usually stay off-limits until they go public. It’s long-term, diversified, and you can start with as little as $10.
For frugal folks who want to build wealth without needing to look wealthy, it’s one more way to spend intentionally.
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